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You asked us:

If your employer will not match anymore than the required 3% - should you put surplus cash in the workplace pension, a stocks and shares isa or a sipp?

What % do we save every month?

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This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.